If you have bad credit score or No credit history then you need not worry. You can still avail the loan. You can always approach cooperative banks, rural banks or small financial institutions.

Some other ways to avail without Credit Score are
1. Loan from friends and family members
2. Loan against existing assets or financial products like a credit card, overdraft, fixed deposits, Gold, Insurance, PPF account etc.… Read the rest

Whether you're a young adult applying for credit for the first time, or you just haven't used credit in a while, when you finally do want to get credit it can be a frustrating process. You need a credit history to build credit, but no one will approve you for new credit without a credit history — a chicken and the egg scenario.… Read the rest